Key Takeaways
Why the math works.
Four numbers to remember, then the full side-by-side comparison.
01
Only $9,627 to close
vs. $32,500 conventional — a $22,873 upfront saving (70% less cash).
02
$926 less every month
$2,375.59 with DeedLease vs. $3,302.00 on a conventional mortgage at today's rate.
03
~$428K less in interest
Lower price ($475K vs. $550K), lower rate (3.50% vs. 6.50%), shorter term (25 vs. 30 yrs).
04
$75K subsidy built in
Home appraises at $550K — you finance $475K. Attainable Home Subsidies fund the gap.
Full comparison table
Real numbers, no surprises.
Line itemDeedLeaseConventional
Appraised Home Value$550,000$550,000
Effective Purchase Price$475,000 *$550,000
Interest Rate3.50%6.50%
Amortization25 Years30 Years
Monthly Payment (P&I)$2,375.59$3,302.00
Entry Deposit / Down Payment$7,126.77 (3 mo.)$27,500.00 (5% dn.)
Closing Costs$2,500.00$5,000.00
Total Cash to Close$9,626.77$32,500.00
Buyer Savings at ClosingSAVE $22,873.23—
Total Interest (life of loan)~$237,677~$666,220
Total of P&I Payments~$712,677~$1,188,720
Lifetime Interest SavingsSAVE ~$428,543—
* The home appraises at $550,000. DeedLease buyers finance it at $475,000 — the $75,000 difference is covered by Attainable Home Subsidies that fuel the program.